Hanmi Financial (FRA:HF7N) Cyclically Adjusted FCF per Share: €3.09 (As of Jun. 2026)

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FRA:HF7N Hanmi Financial Corp FRA:HF7N
67 GF Score
Price €26.40
GF Value €23.74
! 6 Warning Signs
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What is Hanmi Financial Cyclically Adjusted FCF per Share?

Hanmi Financial FRA:HF7N 67 Cyclically Adjusted FCF per Share is €3.09 as of Jun. 2026. GuruFocus rates FRA:HF7N with a GF Score™ of 67/100 and a GF Value™ of €23.74. The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Hanmi Financial's adjusted free cash flow per share for the three months ended in Jun. 2026 was €-0.290. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is €3.09 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Hanmi Financial's average Cyclically Adjusted FCF Growth Rate was 18.70% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 9.50% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 10.70% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was -12.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Hanmi Financial was 11.30% per year. The lowest was -34.20% per year. And the median was -4.75% per year.

As of today (2026-08-23), Hanmi Financial's current stock price is €26.40. Hanmi Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was €3.09. Hanmi Financial's Cyclically Adjusted Price-to-FCF of today is 8.54.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Hanmi Financial was 12.13. The lowest was 1.56. And the median was 5.71.


Hanmi Financial  (FRA:HF7N) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Hanmi Financial's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=26.40/3.09
=8.54

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Hanmi Financial was 12.13. The lowest was 1.56. And the median was 5.71.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Hanmi Financial Cyclically Adjusted FCF per Share Related Terms


Hanmi Financial Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Hanmi Financial's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Hanmi Financial Cyclically Adjusted FCF per Share Chart

Hanmi Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.94 2.46 2.59 2.81 2.95

Hanmi Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.54 2.86 2.95 3.05 3.09

FRA:HF7N vs MPB, FMCB, SBNC: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Hanmi Financial's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Hanmi Financial Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Hanmi Financial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Hanmi Financial's Cyclically Adjusted Price-to-FCF falls into.


FRA:HF7N
67GF Score
Hanmi Financial Corp FRA:HF7N
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Hanmi Financial Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Hanmi Financial's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=-0.29/333.9520*333.9520
=-0.290

Current CPI (Jun. 2026) = 333.9520.

Hanmi Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 0.721 241.428 0.997
201612 0.664 241.432 0.918
201703 0.572 243.801 0.784
201706 0.299 244.955 0.408
201709 0.647 246.819 0.875
201712 0.676 246.524 0.916
201803 0.452 249.554 0.605
201806 0.531 251.989 0.704
201809 0.458 252.439 0.606
201812 0.496 251.233 0.659
201903 0.605 254.202 0.795
201906 0.473 256.143 0.617
201909 0.481 256.759 0.626
201912 0.101 256.974 0.131
202003 0.684 258.115 0.885
202006 -0.040 257.797 -0.052
202009 0.384 260.280 0.493
202012 0.553 260.474 0.709
202103 0.154 264.877 0.194
202106 3.348 271.696 4.115
202109 -1.828 274.310 -2.225
202112 0.799 278.802 0.957
202203 0.583 287.504 0.677
202206 0.926 296.311 1.044
202209 1.640 296.808 1.845
202212 1.449 296.797 1.630
202303 1.090 301.836 1.206
202306 1.001 305.109 1.096
202309 0.953 307.789 1.034
202312 0.229 306.746 0.249
202403 0.892 312.332 0.954
202406 0.040 314.175 0.043
202409 0.195 315.301 0.207
202412 0.412 315.605 0.436
202503 0.803 319.799 0.839
202506 -0.550 322.561 -0.569
202509 4.144 324.800 4.261
202512 1.446 324.054 1.490
202603 0.678 330.213 0.686
202606 -0.290 333.952 -0.290

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of €3.09 mean?
Hanmi Financial (FRA:HF7N) has a Cyclically Adjusted FCF per Share of €3.09 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Hanmi Financial and its competitors.
Is Hanmi Financial's Cyclically Adjusted FCF per Share too high?
Hanmi Financial's current Cyclically Adjusted FCF per Share is €3.09. Overall, Hanmi Financial has a GF Score™ of 67/100, reflecting its overall financial health beyond just this single metric.
How does Hanmi Financial's Cyclically Adjusted FCF per Share compare to MPB and FMCB?
Hanmi Financial's Cyclically Adjusted FCF per Share of €3.09 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Hanmi Financial and its competitors. Hanmi Financial's current Cyclically Adjusted FCF per Share is €3.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hanmi Financial stock overvalued right now?
Hanmi Financial (FRA:HF7N) has a current Cyclically Adjusted FCF per Share of €3.09. The stock's GF Value™ is €23.74, compared to a current price of €26.40 — trading 11.2% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €3.09. Hanmi Financial's overall GF Score™ is 67/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Hanmi Financial (FRA:HF7N), the current Cyclically Adjusted FCF per Share is €3.09 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Hanmi Financial (FRA:HF7N) Overvalued in 2026?

Based on GuruFocus' analysis, Hanmi Financial stock appears to be overvalued. The current stock price of €26.40 is trading 11.2% above its estimated GF Value™ of €23.74.

Key valuation signals for FRA:HF7N:

  • Cyclically Adjusted FCF per Share: €3.09
  • GF Value™: €23.74 vs. price of €26.40 (11.2% above fair value)
  • GF Score™: 67/100 with 6 warning signs

No single metric tells the full story. See the FRA:HF7N stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Hanmi Financial Business Description

Other Exchanges HAFC:USA
Address 900 Wilshire Boulevard, Suite 1250, Los Angeles, CA, USA, 90017
Hanmi Financial Corp is a Los Angeles-based bank that caters to Korean-Americans and other multi-ethnic communities across California, Colorado, Georgia, Illinois, New Jersey, New York, Texas, Virginia, and Washington. The bank mainly focuses on small businesses and commercial and real estate loans. It also offers a variety of international finance and trade services and products, including letters of credit, import financing, and export financing. The Bank's revenues are derived from interest and fees on loans, interest, and dividends on the securities portfolio, service charges on deposit accounts, and sales of SBA loans.
67GF Score

Get the complete analysis for FRA:HF7N

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€26.40
Price
€23.74
GF Value